Provider fees

Royal London fees on a £250,000 pot

Product record reviewed: 2026-04-29 · Fee schedule checked: 2026-09-11 · Source

Annual representative charge

£1,125/yr

0.45% effective rate on a £250,000 pot · Discounted whole-balance management charge

Includes fund management; other costs may apply. These are the bands in the linked published guide, not a claim that every 2026 policy uses identical thresholds. The guide says RPI increases occur each 6 April and apply on the first plan anniversary afterwards. Associated investments can affect the discount. Workplace scheme discounts, adviser adjustments, external investments and advice charges can change the amount. Check the personal illustration and annual statement.

Selected provider charges on a £250,000 pot (15 of 15)

AegonExcludes fund charges

£1,215/yr(0.49%)

AJ BellExcludes fund charges

£625/yr(0.25%)

AvivaExcludes fund charges

£875/yr(0.35%)

FidelityExcludes fund charges

£500/yr(0.20%)

HLExcludes fund charges

£875/yr(0.35%)

iiExcludes fund charges

£180/yr(0.07%)

InvestEngineExcludes fund charges

£0/yr(0.00%)

L&GExcludes fund charges

£625/yr(0.25%)

NESTIncludes fund management; other costs may apply

£750/yr(0.30%)

NutmegExcludes fund charges

£1,275/yr(0.51%)

PensionBeeIncludes fund management; other costs may apply

£875/yr(0.35%)

Royal LondonIncludes fund management; other costs may apply

£1,125/yr(0.45%)

Sc. WidowsExcludes fund charges

£198/yr(0.08%)

Std LifeIncludes fund management; other costs may apply

£1,375/yr(0.55%)

VanguardExcludes fund charges

£375/yr(0.15%)

Listed alphabetically. Figures rounded to the nearest pound on a £250,000pot. Some entries are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management. Fund charges, adviser charges, dealing charges and product restrictions can differ by provider, so the rows are not always like-for-like.

This page shows a one-year charge example. A long-term projection needs the full fee structure, including any minimums, caps, fund costs and contributions.

Explore a separate fixed-percentage fee illustration

That tool uses editable hypothetical rates; it does not forecast this provider’s charges.

Royal London fees at other pot sizes

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This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. The displayed annual provider charge should be checked against the provider's current terms before acting.